Me and my husband are buying a maisonette in Kingston Park. My lawyer is not on the bank conveyancing panel. Is it possible for me to appoint my Kingston Park conveyancing solicitor even though they are excluded from the bank list of approved lawyers?
You have a couple of choices open to you here
- Complete the purchase with your chosen Kingston Park lawyer but your bank will need to appoint a lawyer from their conveyancing panel. This will result in additional fees together with probable delay.
- Get a fresh property lawyer to conduct the conveyancing, ensuring that they are on the lender conveyancing panel.
- Convince your property lawyer to seek to join the bank panel
My wife and I buying a end of terrace house in Kingston Park. Our aim is to convert the garage to an office at the property.Will legal work on the property include investigations to ascertain if these works are prohibited?
Your property lawyer should review the deeds as conveyancing in Kingston Park can on occasion identify restrictions in the title deeds which prevent categories of changes or require the permission of a 3rd party. Certain additions need local authority planning permissions and approval in accordance building regulations. Some locations are designated conservation areas and special planning restrictions apply which often prevent or affect extensions. It would be sensible to check these things with a surveyor prior to committing yourself to a purchase.
I happen to be the sole beneficiary of my late mum's will with all property in now in my sole name, including the my former home in Kingston Park. The Kingston Park property was put into my name in May. I now wish to sell up. I do know about the Mortgage Lenders 6 month 'rule', meaning my proprietorship may be considered the same way as though I had purchased the property in May. Is the property unsalable for six months?
The Council of Mortgage Lenders’ handbook obliges conveyancers to: "report to us immediately if the owner or registered proprietor has been registered for less than six months." Technically you could be impacted by that. How sensible a view banks take of it, depend on the mortgage company as this obligation is chiefly there to capture the purchase and immediately sell or the flipping of properties.
Can I be sure that the Kingston Park conveyancing solicitor on the TSB panel is any good?
When it comes to conveyancing in Kingston Park seeking recommendations is a good starting point. Before you go ahead, check if they offer a no sale no fee offer. Also, you often get what you pay for - a firm which quotes more, will often provide a better service than one advertising the lowest fees. We would always advocate that you speak with the lawyer conducting your transaction.
My colleague advised me that where I am purchasing in Kingston Park I should ask my conveyancer to execute a Neighbourhood, Planning and Local Amenity Search. Can you explain what the purpose of this search is?
A search of this type is occasionally quoted for as part of the standard Kingston Park conveyancing searches. It is not a small document of about 40 pages, listing and setting out significant information about Kingston Park around the property and the people living there. It incorporates an Aerial Photograph, Planning Applications, Land Use, Mobile Phone Masts, Rights of Way, the Kingston Park Housing Market, Council Tax Banding, the type of People living in the area, the dominant type of Housing, the Average Property Price, Crime details, Local Education with plans and statistics, Local Amenities and other useful information about Kingston Park.
I used Arc property Solicitors a few years ago for my conveyancing in Kingston Park. I now require my file but the law firm is no longer operating. What do I do?
You should contact the Solicitors Regulatory Authority (SRA) to help locate your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Kingston Park of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
How does conveyancing in Kingston Park differ for new build properties?
Most buyers of new build property in Kingston Park come to us having been asked by the builder to sign contracts and commit to the purchase even before the premises is ready to move into. This is because developers in Kingston Park typically acquire the site, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are used to new build conveyancing in Kingston Park or who has acted in the same development.
Due to the advice of my in-laws I had a survey completed on a property in Kingston Park in advance of appointing solicitors. I have been told that there is a flying freehold overhang to the house. My surveyor advised that some mortgage companies will not grant a loan on such a home.
It varies from the lender to lender. Santander has different instructions for example to Nationwide. Should you wish to telephone us we can look into this further with the relevant lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in Kingston Park. Conveyancing may be slightly more expensive based on your lender's requirements.